I have deactivated my card for almost 3 yrs now. I have 5 months late payment as well, i have been paying of monthly minimum fees since last year. I have requested for restructure plan but they have always refuse to give. My question is can they file a case against my card? please note that I have not given any cheque or signed any cheque for my credit card.
because i wanted to stop paying the card to force them to give me restructure plan, interest already filed up now and i dont want to pay them that much of interest.

@dontyouworry hi sir/maam. Been reading your comments and maybe i wanna try your service how can i reach you. I have left a debt in abudhabi for few months now with FGB and i dnt have meana to pay. I have received an email. Can i seek for your oinion about this because they are stressing me out, this is from a collection agency in the philippines.

" Please be advised that, in the event a foreign court’s decision becomes final and executory, we may initiate the filing of a petition before the Regional Trial Court of the province where you and/or your properties may be found for the enforcement of the foreign judgment. Once granted, we will definitely implement the Decision and proceed to levy your real and personal properties and garnished your bank accounts. In addition, subject to our law and the prevailing laws of the country you are presently staying/working, we may also seek the cancellation of your passport and/or other travel documents, as may be allowed under the circumstances, and commence deportation proceedings against you."

Hello everyone here on the forum. I am extradition/mutual assistance criminal lawyer in London with a small practice in the UAE. A friend of mine sent me a link to all these forums freaking out about Dubai/GCC debt questions and the amount of outrageous stuff I have read on here has prompted me to write the most informative post that I can.

1) Interpol (Red notices/diffusions) and Dubai/GCC cases

Interpol is NOT a police force. It is an information sharing mechanism where National Central Bureaus (NCBs) of Interpol Member countries can issue notices requesting extradition (and other things, such as location information) on criminal suspects whom they wish to extradite. In the UAE, the Interpol NCB is located at Abu Dhabi CID Headquarters. There is no such thing as an Interpol agent. Certain police officers from an individual country can be seconded to the NCB but they are still officers of their own police force - not a transnational supercop as they are portrayed. A bank CANNOT report a person to Interpol. The bank would lodge a case within the UAE, and then the proesecutor inside the UAE would decide whether to request the NCB in Abu Dhabi to diffuse the UAE arrest warrant/commitment order to other Interpol Member States via Interpol's I-Link System. This is then visible to all/selected Interpol member states who decide what enforcement action (if any) to take against the person whom is flagged. Numerous countries, the UK for one, do NOT act on Red Notices as a matter of course. Extradition is complex and expensive, and most countries would refuse to extradite for debt cases as 'debtor's prisons' have been abolished in the First World. Therefore, anybody stating Interpol will be informed is misinformed or trying to scare you. Nobody outside of an NCB can place alerts into the Interpol System, and generally this is only done in very serious cases, although, in Europe Interpol diffusions are used routinely to arrest subjects of European arrest warrants (EAW) within the Schengen-space. Red notices from countries outside of the EU are rare, and almost never for an unpaid debt. The UAE did use Interpol notices previously for debt cases but have stopped this practice now because of continual rejections from other states refusing to extradite for debt cases.

2) Transiting through the UAE and or other GCC states whilst wanted in the UAE or other GCC states

You CAN be arrested in Transit. The common misconception that you are not in a country until you have passed immigration is false. The Transit zone of any airport is the sovereign territory of that country. Many countries, including the UAE now use APIS or Advanced Passenger Information System. When you board a flight from Country A to Country B, even whilst transiting in Country C your passport details, name (etc.) are passed by the airline to the respective immigration authorites through APIS. The names are automatically data-matched against watchlists. It is not COMMON to be arrested in transit in the UAE, however it is absolutely possible, and pretty much just comes down to how the officer reviewing APIS data intends to spend his day. For every 1 arrested, 9 probably get through. If you are certain that you are wanted in the UAE/have a case outstanding in the UAE, the safest way to ensure you won't be arrested is NOT TO TRANSIT.

3) Entering another GCC country when wanted in another GCC country

The GCC can and does share information between themselves, but I have noticed that this tends to be sporadic and not in every case. There don't seem to be any hard and fast rules whether or not your information would have been passed on. There seems to be some discussions that Emirates ID holders are now automatically shared with other GCC states - this is probably true. So my advice is - if you are wanted, don't go to other GCC states either. Generally, if you have a blacklist in one GCC country, it is difficult to get an approval to work in another but this isn't certain. Many people have succeeded - it is dependant on just what information has been shared. And, it's not possible to know that unless you are in the Prosecution or Police.

4) Being arrested in Dubai for outstanding Debt

The procedure in Dubai for debt cases is simple now. One passport is required to be surrendered for each case you have registered against you. So - if you are arrested, for a single case, you can surrender your own passport and remain free on bail until court. If for two cases, a friend/family member can surrender their passport and so on and so forth. Courts generally fine people for these cases instead of imprisonment nowadays, however, short prison sentences are still possible. Once you have paid the fines, the police case is resolved, and the passports are returned. If you cannot pay the fines, you will be sentenced to imprisonment. That does not stop the bank/financer from filing a civil case against you to recover the debt, however, you cannot be jailed again. You can however, face a ban from leaving the country due to an outstanding civil case.

These debt collectors will threaten Interpol and potential proceedings in your home country. They cannot list you at Interpol, and whilst some foreign judgements can become enforceable in your home countries, this is prohibitive in terms of cost and very rarely used in practice. Therefore, any threats to arrest you in your home country, involve a Foreign affairs department and or Interpol, or the threat of legal proceedings in your home countries are baseless and scare tactics only. They cannot, and will not, carry these threats out. They can and most likely WILL file cases on you in the GCC state/UAE. This will prevent you from travelling to those countries without being arrested. If you are happy at home. or in a non GCC state, then don't worry about it. Forget the calls, they can't do anything to harm you.

Frankly the best way to resolve the problem is to clear the debt. However, I realise that isn't possible for everyone, and that people are genuinely worried about their futures because of the amount of misinformation on the internet surrounding Interpol and debt collectors. I hope this has been informative and some of you can sleep a little better at night now.

One more thing - removing bans/blacklists in the UAE is very hard and I am not competent to tell you whether it is or is not possible.

Best wishes everyone.

Such a goodsoul. Thank you for sahring this...

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@dontyouworry hi sir/maam. Been reading your comments and maybe i wanna try your service how can i reach you. I have left a debt in abudhabi for few months now with FGB and i dnt have meana to pay. I have received an email. Can i seek for your oinion about this because they are stressing me out, this is from a collection agency in the philippines.

" Please be advised that, in the event a foreign court’s decision becomes final and executory, we may initiate the filing of a petition before the Regional Trial Court of the province where you and/or your properties may be found for the enforcement of the foreign judgment. Once granted, we will definitely implement the Decision and proceed to levy your real and personal properties and garnished your bank accounts. In addition, subject to our law and the prevailing laws of the country you are presently staying/working, we may also seek the cancellation of your passport and/or other travel documents, as may be allowed under the circumstances, and commence deportation proceedings against you."

Gulf News-Dubai: A newly launched smart initiative by Dubai Police in Jabel Ali Police Station enables the suspects involved in certain misdemeanors to keep their passports in their control and not have them seized by prosecutors.

Suspects, who involve in particular offenses, can start obtaining an electronic bail without having to keep their passports or those of their guarantors in the possession of the Dubai Public Prosecution as per the ‘Smart Bail’ initiative, Prosecutor General Ali Humaid Bin Khatem told Gulf News on Monday.

Offense cases

The service applies on suspects involved in misdemeanor cases of crimes such as bounce cheques, cursing/insulting, breach of trust, drinking alcohol, assault and petit embezzlement and thefts and other minor offences.

As per the smart bail, the suspects will not be asked to give up their passport but they will not be allowed to leave the UAE. This initiative acts as an ‘electronic guarantee’ that the suspect attends the prosecution’s investigation or the trial.
__________________
UAE Debt Solutions

A new one-day court initiative launched in Abu Dhabi on Sunday to speed up the judicial process and ensure straightforward cases are dealt with as quickly as possible.
The one-day court began as a pilot last April and has already ruled on 2,443 criminal and misdemeanor cases, 65 labour cases and 205 civil and personal disputes.
A specialised judge in each Abu Dhabi court will now receive one-day court cases allocated by the public prosecution. In Al Ain and the Western Region, all judges are able to rule on cases that have been classified as one-day court material during regular hearings.
Eligible cases range from tourist offences to cross dressing, fights and civil disputes to traffic offences. It was also cover inheritance, delivering a child to his or her custodian, lifting a travel ban, municipality offences, immigration violations, bounced cheques and illegal alcohol consumption and possession.
Head of judicial inspection at the Abu Dhabi Judicial Department, Ali Al Shaer, said the trial period allowed the department to test the efficiency of the project and refine the rules.

A major challenge, he said, was with civil cases because they cannot be processed until the other side has been served, or notified.
"Once he or she is served, even if they don't attend we can proceed with the case. But if they have not been served, the ruling would be invalid."
Mohammed Al Shibli, head of the prosecutions department at ADJD, said it is essential that the judicial process for certain types of cases is sped up and hence that they are referred to the one-day court.
An important example, he said, is for cases involving tourists: "The tourist stays in the country for a limited period of time, and therefore it is important to resolve their cases quickly."
The new one-day court also aims to reduce the effort and money spent on imprisoning defendants in straightforward cases – cases where all the necessary factors, evidence and details are ready to be presented and that don't require further investigations or expert reports.
"Imprisoning defendants in such cases for a long time [while they await trial] is an unnecessary financial and security burden," Mr Al Shibli said.

ADJD, said labour courts heard 9,828 minor cases – claims for amounts that are less than Dh500,000 – last year. This year, he expects between 2,000 and 3,000 of them to be heard at the one-day court.
The ADJD initiative follows a similar move by RAK courts last February, which introduced the country’s first one-day courts handling civil and commercial cases that involve claims of up to Dh20,000.
Dubai courts followed a month later by introducing the one-day misdemeanor court, with one judge settling 6,000 cases in just over seven weeks.
Mr Al Shibli said Abu Dhabi's initiative is, however, more inclusive because it is in the form of a “one-day judicial system” and is not limited to specific courts or cases.

I have taken a loan of 25k in 2016 from dunia finance and purchases from credit card of 15k. During my job i have paid 17 installments of my loan account and used to regularly pay the credit card payment as well. However, i lost the job later and couldn't pay the installments. Now I have family in Dubai and have a salary which is only enough to survive.

Dunia finance have deposited the security cheque of 45k which is bounced and now they are harassing me everyday and coming to my office even for collections.

I want to know whether do I have a travel ban as I am planning my annual leave in next couple of months.
Also is there anyway where I can pay the fine in court and clear my name(how much would be the fine?).

I have taken a loan of 25k in 2016 from dunia finance and purchases from credit card of 15k. During my job i have paid 17 installments of my loan account and used to regularly pay the credit card payment as well. However, i lost the job later and couldn't pay the installments. Now I have family in Dubai and have a salary which is only enough to survive.

Dunia finance have deposited the security cheque of 45k which is bounced and now they are harassing me everyday and coming to my office even for collections.

I want to know whether do I have a travel ban as I am planning my annual leave in next couple of months.
Also is there anyway where I can pay the fine in court and clear my name(how much would be the fine?).

Kindly advise.

You need to have a case check done and find if any case has been filed on you or not, if yes then you can pay the court fine and close the case subject to the amount and Emirate.

Hello friends,
here is my situation, I was working in Abu Dhabi 2002-2004, before I left i own 3 credit card and one loan accumulated around AED 24500 of ABN Amro and City Bank. after i left because of problem with company, PRO called me in my home country and said I have been blacklisted, and my boss can help me if i come back and join same company. ( Iranian company and full day with stress and lots of pressure + not paying salary on time as well as paying only 600AED in beginning of contract later increased to 1200AED only no any other allowances )
I only receiving some email from BANK nothing more 2007 i found one of my colleague with same situation returned back to Abudhabi and started working in same company. I asked her she explained her BF helped her to remove her name from Blacklist and she is working fine there without any problems. ( even she met a sales girl of City bank but nothing problem happen)
2007 I have received one email says my due is double around 40,000 AED because of fine etc.
I have been traveling throw GCC countries and I never had any problem. 2016 - i stay a night in Bahrain and 2 times (2015 and 2016) for around 1 month each visit i was in Kuwait.

2008 I decided to visit Dubai in visit visa, I took risk and travel Dubai, I cross immigration and they took my eye scanning and finger print but all clear I was in Dubai for one night in my friends house and fly back next day.

I am now with my family and since i see this posts related with mine, just scared to travel throw GCC country even in transit. Am i get arrested if they have filed case to me? its been more then 14 years and between these time period i have been many GCC country and even Dubai ones!

Hello friends,
here is my situation, I was working in Abu Dhabi 2002-2004, before I left i own 3 credit card and one loan accumulated around AED 24500 of ABN Amro and City Bank. after i left because of problem with company, PRO called me in my home country and said I have been blacklisted, and my boss can help me if i come back and join same company. ( Iranian company and full day with stress and lots of pressure + not paying salary on time as well as paying only 600AED in beginning of contract later increased to 1200AED only no any other allowances )
I only receiving some email from BANK nothing more 2007 i found one of my colleague with same situation returned back to Abudhabi and started working in same company. I asked her she explained her BF helped her to remove her name from Blacklist and she is working fine there without any problems. ( even she met a sales girl of City bank but nothing problem happen)
2007 I have received one email says my due is double around 40,000 AED because of fine etc.
I have been traveling throw GCC countries and I never had any problem. 2016 - i stay a night in Bahrain and 2 times (2015 and 2016) for around 1 month each visit i was in Kuwait.

2008 I decided to visit Dubai in visit visa, I took risk and travel Dubai, I cross immigration and they took my eye scanning and finger print but all clear I was in Dubai for one night in my friends house and fly back next day.

I am now with my family and since i see this posts related with mine, just scared to travel throw GCC country even in transit. Am i get arrested if they have filed case to me? its been more then 14 years and between these time period i have been many GCC country and even Dubai ones!

please suggest,

thank you in advance
AVI

If at all you are so scared to travel then you probably can do a case check to find out if there are any case/cases on you and the details of the case if any.